3.285% annual percentage rate (APR) is based on an 80% loan-to-value ratio at a 20-year amortization, assuming standard fees and 240 equal payments over the life of the loan. The interest rate, annual percentage rate (APR), origination fees, discount points, and closing costs are subject to change without notice based on your loan amount and credit history. This is not an offer of credit and is subject to the terms and conditions of America’s First Federal Credit Union (AmFirst), not all borrowers will qualify, subject to approval and underwriting standards, restrictions may apply.
Limited to primary residences located in the State of Alabama.
Must apply by 7/31/2021 and close by 9/15/2021.
This offer is limited to approved auto loan refinance applications that are received by August 31, 2021 and are closed at any America’s First Federal Credit Union (“AmFirst”) Branch by September 10, 2021. Existing auto loans at AmFirst are ineligible to participate. All loans are subject to credit approval, value of collateral, and other factors. “Refinancing” and/or “refi” status is defined by, and solely at, the discretion of, AmFirst.
Gas cards vouchers are limited and available only while supplies last. Qualifying auto loans will receive a gas card, valued between $25 and $100, chosen at random while supplies last. Additionally, qualifying loans will be entered into two additional random monthly prize drawings each for a gas card valued at $500. One (1) unique winner will be chosen during each random drawing resulting in a total of two (2) unique $500 gas card winners.
The Win a Year of Loan Payments promotion is governed by these rules. By participating in the promotion, each entrant agrees to abide by these rules, including all eligibility requirements, and understands that the results of the promotion, as determined by AmFirst are final in all respects. No Purchase is Necessary to Play or Win. PRIZE: One year (12 months) of car payments credited each month to the prize winner’s AmFirst auto loan account. Winner will be solely responsible for the payment of taxes associated with this prize and will receive a tax statement in accordance with IRS regulations. AmFirst assumes no responsibility or liability for damages, losses, or injury resulting from acceptance or use of any prize or participation in the sweepstakes. The prize is limited to a maximum monthly account credit of $500, or the auto loan payment amount, whichever is lower. No cash value. Auto loan account must remain active with AmFirst throughout the first 12 months. Winner must agree to receive Prize in the form of monthly account credits. HOW TO ENTER: There are two (2) ways to enter the Promotion. (1) Automatic Entry – All members who are approved and/or apply for a qualifying auto loan refinance by August 31, 2021 through an AmFirst branch, and close this loan by September 10, 2021 at an AmFirst branch, will be automatically entered in the drawing. There will be one entry per loan. (2) Alternate Method of Entry – An AmFirst member can enter the Promotion without financing a loan. He or she must use a 3”x 5” card, and legibly hand print or type on the card, his or her first name, last name, age, complete address, city, state, zip code and home telephone number (including area code), the card must be placed in an envelope and mailed to: Win a Year of Payments Prize Giveaway! America’s First Lending Department, PO Box 11349, Birmingham, AL 35202. All envelopes must be received by September 10, 2021 to be considered eligible. Limit of one (1) entry per envelope. The maximum number of entries by this method is limited to one (1) per entrant. AmFirst is not responsible for lost or stolen entries. ELIGIBILITY: The Promotion is open to AmFirst members, who are legal U.S. residents in any of the fifty (50) United States or the District of Columbia, and who are nineteen (19) years of age or older or at the time of entry. Void where prohibited. Business entities are ineligible to participate. The winner must have a unique, personal and valid social security number for the Credit Union to report the tax liability associated with acceptance of the prize. Employees of AmFirst and their immediate family members (parents, children, siblings or spouse) regardless of where they live, or persons living in same household, (whether related or not) are not eligible to participate or win a prize. ODDS OF WINNING: Odds of winning the prize are dependent upon the total number of eligible entries received during the promotion period.
This offer is limited to approved new checking accounts opened by September 30, 2021. Certain restrictions apply. Available to qualifying members only. New personal checking accounts only, business checking and existing AmFirst checking accounts are ineligible to participate.
To receive the 5,000 additional bonus points, new checking account holders must use the newly issued debit card associated with the account to complete a minimum of five point of sale transactions before 11 P.M. CST on September 30, 2021. Bonus points will be awarded to qualifying accounts within 60 days of the end of the promotional period.
All accounts are subject to approval. There is a limit of one promotional bonus award per qualifying member. A minimum deposit of $25 is required to open a new checking account. Minors must have a legal guardian present and established as joint owner at account opening. Both parties must have proof of identification.
With a Kids 1st Club Account, children are eligible for Honor Dollars, which is a bonus for making good grades while also teaching kids to save.
Bring your child’s most recent report card with all A’s and B’s to any America’s First branch and we will deposit $5.00 into his or her account. Tax information is reported under the child’s social security number. Only the custodian may make withdrawals unless the child, under authorization of the custodian, is added to the signature card at age 16. Otherwise, the child cannot access the funds until age 21 when we convert Kids 1st Club Accounts to Share (savings) Accounts.
Save $360 Per Year On Your Wireless Bill with Tracfone
Did you know that you can keep your phone, number and network and save when you switch to no-contract wireless?
You could be saving as much as $360 per year on wireless. Keep your phone number and network, and you can save when you switch to no-contract wireless.
Now, you’re in control with Unlimited Carryover® Data* that never expires.
Choose from America’s Top 4G LTE† Networks without a contract or mystery fees and live your best wireless life with NET10 Wireless. Choose from America’s Top Nationwide Networks or keep the one you love, all without a contract Discover total confidence in a no-contract wireless plan.
We’ve got you covered on the nation’s largest, most dependable 4G LTE† network.
OUR MEMBER BENEFITS NO CONTRACTS OR MYSTERY FEES
We offer a variety of wireless plans to meet your individual needs with no contracts, credit checks or mystery fees.
Coverage on America’s largest and most dependable networks.
Whether you’re an Android person or an iPhone fanatic, we have the latest phones for every budget.
KEEP YOUR OWN PHONE
Love the phone you have? Keep the phone, number and network you love with our easy-to-install SIM Kits.
*Service must be active and in use within any six-month period.
†Actual availability, coverage and speed may vary. See Terms & Conditions at Tracfone.com.
*America’s First Federal Credit Union does not endorse or recommend any particular outside products or services. Please be advised that we do not represent either the third-party vendor or you if you enter into a transaction. Information about outside products, services and potential discounts made available to our members by third-party vendors is provided for your convenience. AmFirst does not provide, and is not responsible for the product, service, terms, or policies of third-party vendors.